With 25 years in the mortgage industry, I bring experience and dedication to every client I work with here in Southeast Michigan. As VP of Mortgage Lending, I offer a full range of services to help with both purchasing and refinancing, tailoring each loan to meet your unique needs. I specialize in conventional, FHA, VA, and portfolio products, and my goal is to make your home financing process as smooth and rewarding as possible. Whether you're buying your first home, investing, or refinancing, I'm here to provide knowledgeable guidance and personalized solutions to achieve your financial goals.


*Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. <COMPANY NAME> has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.*

VP of Mortgage Lending

Robert Klein is your Shelby Township local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Robert is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Robert at (586) 553-4060 for more information!

Robert Klein at Rate (NMLS #562854)

I'm Wendy Yoskovich, 57 years young, and I've spent 35 years in the mortgage business, helping clients navigate the complexities of home financing. My goal is to make the lending process as smooth and rewarding as possible.  
I've been married for 30 wonderful years and am the proud mom of two amazing children, who inspire me every day. As a cancer survivor, I've learned the importance of resilience and hope, and I strive to share that positivity with others facing their own challenges.  
Creativity is a big part of my life—whether I'm crafting personalized lending solutions or celebrating special moments with my family, I bring passion and dedication to everything I do.

Wendy Yoskovich is your Shelby Township local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Wendy is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Wendy at (586) 337-3383 for more information!

Wendy Yoskovich at Rate (NMLS #406509)

With just about 20 years of mortgage origination experience, along with an MBA from Davenport University, I possess the knowledge and dedication required to provide ideal financing options to my clients in Michigan, California, and Florida. Thank you in advance for the opportunity to assist you with one of life's most important financial transactions.

Branch Manager

Renato Capelj is your Shelby Township local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Renato is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Renato at (248) 495-0654 for more information!

Renato Capelj at Rate (NMLS #407147)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Aleks Stefanovski is your Shelby Township local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Aleks is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Aleks at (586) 909-1235 for more information!

Aleks Stefanovski at Rate (NMLS #32487)

Todd Bruce is your Shelby Township local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Todd is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Todd at (586) 995-0571 for more information!

Todd Bruce at Rate (NMLS #157041)

With over a decade of experience as a mortgage professional in Michigan, Mike has established himself as a trusted expert in the industry, specializing in both home purchases and refinances. His deep understanding of the local market and commitment to helping clients navigate the mortgage process has earned him a reputation for excellence.  
As a dedicated father of two young children, Mike balances his professional life with his family, embodying the values of hard work and community involvement. His wife, a respected teacher in the community, shares his passion for education and supporting local families.  
Throughout his career, Mike has focused on providing personalized service, ensuring that each client's unique needs are met. Whether guiding first-time homebuyers through the purchasing process or assisting homeowners with refinancing options, he is committed to making every transaction smooth and stress-free.  
Outside of his professional commitments, he enjoys spending quality time with his family, engaging in community activities, and supporting local educational initiatives. His dedication to both his profession and his community makes him a valuable asset to Michigan's mortgage landscape.


*By refinancing, you may pay more in costs and interest over the extended term.*

Mike LaLone is your Shelby Township local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Mike is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mike at (248) 495-0654 for more information!

Mike LaLone at Rate (NMLS #608534)

Toni Dimitriovski is your Shelby Township local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Toni is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Toni at 248-670-1024 for more information!

Toni Dimitriovski at Rate (NMLS #2100012)

With more than 12 years of experience in the mortgage industry, I am a trusted and highly dedicated mortgage professional committed to delivering exceptional service and expert guidance throughout the home loan process. In 2020, I was honored to be named the Macomb Daily Best of the Best Mortgage Lender and was inducted into the prestigious Circle of Excellence. My reputation is built on providing personalized, tailored mortgage solutions that align with the unique needs of each client. With over 250 five-star reviews, I have earned the trust of my clients through transparent communication, attentive service, and an unwavering commitment to excellence in every step of the home financing journey.


I am a man of strong faith, guided by my beliefs and values in both my personal and professional life. In addition to my work, I have a deep passion for sharing knowledge and helping others achieve success—whether it's guiding clients through the mortgage process or mentoring others in the industry. When I'm not helping clients achieve their homeownership goals, you'll find me spending quality time with my family, hitting the links for a round of golf, or traveling to explore new destinations.


I look forward to helping you turn your homeownership dreams into reality with personalized, expert mortgage solutions, ensuring a smooth and successful journey every step of the way.

Sales Manager

Nick Masouras is your Shelby Township local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Nick is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Nick at (773) 360-0773 for more information!

Nick Masouras at Rate (NMLS #984676)

Neno Bozinoski is your Shelby Township local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Neno is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Neno at (312) 509-4203 for more information!

Neno Bozinoski at Rate (NMLS #1916497)

Tim Steinbrecher is your Shelby Township local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tim is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tim at (810) 209-6049 for more information!

Tim Steinbrecher at Rate (NMLS #407010)

Matthew La Giglia is your Shelby Township local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Matthew is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Matthew at (630) 364-7562 for more information!

Matthew La Giglia at Rate (NMLS #1099787)

Shelby Township

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11 Loan Officers Shelby Township, MI